Remember Fannie uses debt-to-income (DTI) but the commercial loan uses debt service coverage ratio (DSCR). 

I've been reading a lot about different investment and property management softwares/services and am kind of a tech guy myself.

@Maria Marrero  Dept Service Coverage Ratio or DSCR for short, is the amount of Net Operating Income ( NOI ), which does not include your mortgage, Divided by Total Dept Service (TDS) ( usually mortgage payments, equity loans ) so the formula is: DSCR=NOI/TDS.

Have a look at their web site, there is a meeting tmrw night.

(Also, I read Rich Dad, Poor Dad this year and liked it enough to buy the board game.)So, full disclosure I am a real estate agent that services Denver and Colorado Springs.

the Cash on Cash return and the Debt Servicing Ratio are the main things I look at first. 

Check out if the site have all the services to the boundary and that there are no easements or any under restrictions on the deed.

I see a lot of newer agents if they don't have a warm market or sphere to tap into.. they will get on a big producers team.. this can jump start you.out our way agencies have lead creation systems and will literally hand you web leads for listings or sales.My wife had taken a few year hiatus and to kind of jump start ( her normal business is referrals) but she wanted to work some leads and get going and it worked very well she made many sales and got a few listing which in this market is simply money in the bank. find your niche.. and remember 95% of agents all try the same thing.. you may want to specialize.. and commerical agents though dog tough to start if you make it.. its a really good business once your established.

call a local note/loan services who does private notes and get a real estate attorney referral.

Basically the NOI is the rent less OPEX or Operating Expenses. but not including debt servicing.